I think if you are going to spend your hard earned money to better your scores, I would try and open a BofA secured CC. BofA is a reputile company, and after 9-12 mos positive reporting they will usually convert the acct to un-secured and give gradual CLI's if acct stays in good standing. You might also try some of the other secured cc companies. Do you have any other positive TL reporting now???
